Assurance Zephir Numero – 2 ZÉPHIR HABITASSUR Dear customer, Thank you for trusting us with your home insurance. You can find attached home insurance information. It includes: General Provisions. ZHAB/CG/0914, Your Special Conditions Zéphir Habitassur, This document defines the terms of the guarantee and the Special Conditions. Also a list of contract insurers. THIS AGREEMENT IS CONSTITUTED AT YOUR SOLE RISK AND AT YOUR DISCLOSURE. We recommend that you read carefully before submitting. Be sure to notify us of any new terms that may change your contract, so the warranty is always adjusted at your own risk. Do not hesitate to contact for more information: This Group Insurance contract is concluded with the following insurance company: Société Anonyme with fully paid-up capital. The company is regulated by the Insurance Code and is subject to the Prudential Control and Resolution Authority of 61 Rue Taitbout Paris. The head office is located at 8/10 rue d Astorg Paris. Trades and companies registered in Paris Register under APE Code 6512Z Mailing address: Amaline Assurances – 130 avenue Claude-Antoine PECCOT BP ORVAULT CEDEX
3 SECTION 1 ABOUT YOU AND YOUR SERVICES Contract terms Contract registration Insured persons Insured products Country Warranty period Our guarantees and conditions are included ACCIDENTS, Broken glass Theft Theft Vandalism Water damage Storm, hail and snow (cloud) conditions Wind) Natural disasters Accidents Accidents and acts of violence All electrical damage products Personal liability Insurance (crime and accident claims) Home help Services Services General rules privacy law General rules Additional warranties Moving service Resort insurance Freezers and refrigerators details Room rentals Warranty and services Choice New Electrical Breakdown Replacement Reclaimed Energy Insurance School Garden & Outdoor Planning Student Room Extended Liability
Assurance Zephir Numero
4 9 ALL THINGS Contract Excess Contract Term Waiver Contract Changes Settlement Your Contribution (or Premium) Decision on Your Claim Your Report Property Value Pension Repayment Periods Emergency Information Surrogacy COMPUTER CLAIMS AND FREEDOMS
Zephir Zhv100 Aspirateur à Miettes
5 1 ANY ACT: things that are sudden, that is, not slow, unwanted and unseen, external to the victim or causing damage to property. Pets: Dogs, cats, birds, rabbits and small rodents that are insured or live with them. Services: All emergency services and services are provided to the insurer immediately after the accident. Insured: You, the subscriber, together with any person who is designated under special rules or who is usually at home and is a tax dependent. Insurer: We, Amaline assurances, are the insurer from whom you have taken out your policy. Others: An entity or legal entity that does not meet the definition of an insured. Amendments: A written agreement to amend the Agreement. Dwelling: a room or house made of water, air and solid materials, a log house is allowed to build a house and a fence covered with earth, all natural layers (except vegetation) to all fixtures and fittings that cannot be removed from the building without harming or damaging you and the structure. If you have an apartment, this will also affect the share of the house area that you own. These terms do not include tanks, in-ground pools (unless specifically stated in the regulations), wind turbines, tennis courts, lighting, amusements, wells, garden paths, retaining walls, land and public equipment and external structures. engineering work. Immovable property: Furniture and equipment for non-business use, in the building, if you and other people meet the definition of insurance, Fixtures and fittings carry the value of the tenant, unless they are part of the property of the tenant. . Internal hydraulic pipes: Pipes in a building used as a building and intended for the delivery and distribution of domestic water and for the evacuation of water. Casualty: Any damage, total or partial damage to the insured property due to the casualty will invalidate the insured property. Cohabitant/spouse/pacsé: The person living with you who has a certificate of cohabitation (marriage, common law or PACS). Contributions or premiums: Amounts paid by you in exchange for the guarantees provided by the insurer. Outbuildings: A building used for purposes other than residential or professional, not under a separate roof or on the same premises as a dwelling. General Terms and Conditions: The contract issued by us as an insurer, which you have received, read and accepted, defining and defining the general terms and conditions of your contract. They explain all warranties given, the terms of your agreement, limitations and exclusions, our rights and obligations, the warranties, limitations and exclusions in the terms of the agreement. Special requirements: Contract documents prepared according to your declaration, which describe the health insurance, the insured, the guarantees, the options and services we guarantee you, the deductibles and the income. 3
6 Residence: Your usual place of residence is in mainland France. Harm: Physical: any physical harm to a person (injury, death). Property: Any damage or loss to property, including injuries caused by pets. Intangible: damages caused by lack of rights, interruption of human services, or loss of property or profits. Disclaimer: Loss of warranty rights after insurance, loss, breach of promise. Access: Required, tampered with, or tampering with the locking device (the lock is not a lock). Exclusion: Any damages, disputes, events or activities that the contract expressly excludes. Explosion: Sudden or intense pressure or gas or vapor pressure. Excess: Disclosing your remaining damages when settling a claim. It is expressed in euros. More than specified in the special regulation. Fire: Burning with flames outside an old stove. Support Payment: Amount paid by the insurer under the terms of the contract. Surreptitious Entry: Entering a residence for illegal purposes without the Insured’s knowledge during the Insured’s residence. Disputes: Disputes or claims against you, including third parties or your insurer. Solid materials: For construction: stone, stone, brick, rubble, metal, cement stone, cement framed earth, wood (for large buildings) and clinker are used; For roofing: tile, slate, metal, glass, cement, fiber cement and asphalt concrete. Garden furniture: excluding removable items such as chairs, tables, sofas, trolleys, chaise lounges, couches, outdoor swings, cushions. Invalidity: Any fraud, misrepresentation of the nature of the event causing the acceptance of the contract or the characterization of the insurance risk is equivalent to a contract where all our promises have not been fulfilled. Valuable items: art, decorative items, jewelry, stones, pearls, precious metals with a value of more than 500 euros. Musical instruments with units cost more than the euro. Useful furniture (as a professional) or collection (equipment) is worth more than EUR. Jewelry, precious stones, pearls and musical instruments with a unit value of less than 500 euros are considered personal items. Loss of Rent: Tenants are legally obligated to pay the amount of their rent, insurance, according to the owner. Unusability: This covers all or part of the rental fee by the owner or person in charge, if he is temporarily unable to use or part of the premises no. Main room: On the first floor, only room over 7 m² kitchen, bathroom, toilet,
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